Call reports 2022
NORTH SHORE BANK OF COMMERCE — 2022
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 409,342,000 | 402,176,000 | 406,667,000 | 399,856,000 |
| Total loans | 287,635,000 | 278,337,000 | 277,963,000 | 278,435,000 |
| Allowance for loan losses | 2,942,000 | 2,943,000 | 2,983,000 | 2,992,000 |
| Securities available for sale | 35,008,000 | 43,058,000 | 54,521,000 | 65,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,226,000 | 363,702,000 | 366,787,000 | 360,579,000 |
| Interest-bearing deposits | 225,458,000 | 218,722,000 | 214,035,000 | 212,163,000 |
| Noninterest-bearing deposits | 141,768,000 | 144,980,000 | 152,752,000 | 148,416,000 |
| Equity capital | 38,233,000 | 36,458,000 | 36,761,000 | 37,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,480,000 | 7,251,000 | 11,638,000 | 16,079,000 |
| Interest expense | 79,000 | 164,000 | 264,000 | 433,000 |
| Net interest income | 3,401,000 | 7,087,000 | 11,374,000 | 15,646,000 |
| Noninterest income | 1,928,000 | 4,265,000 | 6,327,000 | 8,129,000 |
| Noninterest expense | 4,318,000 | 9,145,000 | 14,059,000 | 19,002,000 |
| Provision for loan losses | 0 | 0 | 37,000 | 37,000 |
| Pretax income | 1,011,000 | 2,207,000 | 3,605,000 | 4,736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,011,000 | 2,207,000 | 3,605,000 | 4,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,393,000 | 39,231,000 | 40,631,000 | 41,180,000 |